The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$14,029
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,465
−HK$444/mo
Today · 4.125%
HK$14,909
baseline
▲ 0.50% · 4.625%
HK$15,816
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,818/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,607
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,026
−HK$424/mo
Today · 4.125%
HK$16,450
baseline
▲ 0.50% · 4.625%
HK$17,317
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,900/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,835
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,358
−HK$533/mo
Today · 4.125%
HK$17,891
baseline
▲ 0.50% · 4.625%
HK$18,979
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,782/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,729
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,231
−HK$509/mo
Today · 4.125%
HK$19,740
baseline
▲ 0.50% · 4.625%
HK$20,781
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,480/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,641
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,252
−HK$620/mo
Today · 4.125%
HK$20,872
baseline
▲ 0.50% · 4.625%
HK$22,142
+HK$1,270/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,744/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,850
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,436
−HK$595/mo
Today · 4.125%
HK$23,031
baseline
▲ 0.50% · 4.625%
HK$24,244
+HK$1,213/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,062/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,252
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,038
−HK$798/mo
Today · 4.125%
HK$26,836
baseline
▲ 0.50% · 4.625%
HK$28,469
+HK$1,633/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,672/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,093
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,846
−HK$765/mo
Today · 4.125%
HK$29,611
baseline
▲ 0.50% · 4.625%
HK$31,171
+HK$1,560/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,222/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,240 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).